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Roberta Hammel is a seasoned veteran in the Mortgage industry with a 19 year career helping thousands of clients with purchases, refinances and construction loans. Roberta finds a special sense of satisfaction helping first time homebuyers realize their dreams of homeownership. Having experience with Conventional, FHA, VA, VHDA, USDA and Construction lending she applies her knowledge to structure financing based on each personal scenario. Roberta is a 3 time



- Timothy S.

Roberta was very attentive, answered all of our questions and helped us a lot through this process!

- Elizabeth V.

Roberta and her team were attentive, excellent references throughout the entire process and keep me well informed. She answered all my questions and just made this experience fun and exciting!

- Sharon L.

Made things simple, very easy to work with.


Roberta and the Townebank were there For us through the whole process, keeping us informed and on schedule and always knowledgeable if we ever had a question or concern!!

- Amanda R.

Roberta and her team were friendly knowledgeable and easy super easy to work with. ... responded to my many questions in a timely and professional manner. I believe she had my best interests in mind and got me the best loan for my individual needs. I’m grateful for choosing Roberta Hammel.

- Michael A.

Roberta and her team did a great job of making sure all the necessary documents were completed and collected in a timely manner. Some of the paperwork seemed repetitive, but that is to be expected. Our closing was only delayed a couple of days due to circumstances outside of their office. I would highly recommend Roberta at Towne Mortgage.

- Matthew W.

Roberta was quick to respond and she was always very polite. Her Complete willingness to work with my crazy schedule was greatly appreciated.

- Madison W.

Roberta helped me get the dream house I was looking for some time. I would recommend others to work with her. I am a first time home buyer, and I got an excellent crash course, which helped me get started.

- Sudhir K.
Roberta Hammel

Roberta Hammel

Senior Mortgage Loan Officer
NMLS ID #: 525023

Direct: 804-586-2425

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